One of the main reasons why people join health insurance It is the precariousness of the Brazilian public health system – the SUS.
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Lack of doctors, crowded hospitals and the lack of infrastructure and equipment makes the world of private healthcare appear much safer and more efficient in the eyes of those who do not want to depend on a system as flawed as the SUS. However, having a health insurancedespite being a convenience that makes a difference in the lives of many people, it is not 100% certain that you will be (well) served.
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There are several types of health insurance, with individual and collective being the most common on the market. You health insurance The individual type (also called family) is one that provides health care for the free adherence of beneficiaries, whether people with or without a family group. In this type of plan, you can include your family as dependents, meaning that the people you love are also protected if they need medical help.
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Already the health insurance The collective type is that provided by companies (called corporate collective) and unions (called collective by membership), that is, coverage is only offered to people linked to the legal entity that contracted the plan.
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Each modality has particularities, which bring advantages or disadvantages to policyholders, discussed below:
Individual/family health plans:
- They are contracted directly between the plan holder and the health operator, thus having a higher cost than the collective one.
- They follow strict rules from the ANS (National Health Agency) and are therefore being extinguished by operators.
- They have a maximum monthly fee adjustment defined by the ANS, that is, it is a fixed amount, you know how much you will pay to the operator.
- The operator can only cancel the service if you do not correctly pay the monthly plan fees.
- Good option for those who do not have dependents (individual) and do not have a corporate health plan.
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Corporate collective health plans:
- Paid in whole or in part by the plan beneficiary’s company.
- There may or may not be an option to include dependents.
- They usually have basic coverage, as they are economical.
- You are protected against accidents at work.
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Membership-based collective health plans:
- You pay all plan costs.
- It is necessary to join unions.
- They have lower monthly fees, as many people are brought together on the same plan.
- Despite having more attractive prices in principle, it is not well regulated by the ANS, meaning there may be high adjustments to the monthly fee.
- Health plans of this type can be canceled at any time, even if payment is up to date.
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Whatever your choice, it is very important to research the health plan providers available and read the contract carefully, so as not to have any surprises after signing up for the plan of your choice.
